Personal Savings Account

Save for a rainy day or sunny vacation on your own terms

Preparing for wherever life takes you next

Go on vacation. Buy a new car. Plan your dream wedding. Whatever your personal goals are, a savings account from First Citizens can help you get there. We've been helping families save for generations, and we'd love to help you, too.

CD Accounts

Our range of flexible-term certificates of deposit let you earn a steady rate.

  • Higher interest rates
  • No monthly service fee
  • Minimum opening deposit of $500
Learn more about CDs
Find a branch to open a CD , Opens in a new tab

Money Market Account

Our tiered-rate personal savings account helps you reach your savings goals faster.

  • Competitive tiered interest rates
  • Unlimited withdrawals and transfers in person or at First Citizens ATMs
  • Minimum opening deposit of $500
Learn more about money market accounts
Open a money market account now , Opens in a new tab

Online Savings Account

Our basic interest-bearing personal savings account gives you simple terms with convenient access.

  • No minimum balance
  • Competitive rates compounded daily
  • Minimum opening deposit of $50
Learn more about online savings account
Open an online savings account now , Opens in a new tab

Find out what it'll take to reach your financial goals

Try our Save Toward a Goal calculator

First Citizens perks
Get more with your personal savings account

24/7 mobile deposits

Deposit checks anytime, anywhere without having to visit a branch or ATM. Simply use our mobile app to snap a photo of your check, and we'll take it from there.

A Visa® debit card

Get convenient access to your funds with a First Citizens Visa debit card. You can pay for purchases anywhere Visa is accepted worldwide.

Overdraft protection options

Choose the right level of overdraft protection coverage for your account. With multiple options to choose from, you're always in control.

A robust banking network to support you

Conveniently access your funds at over {product.FCBB.Value} local branches across {product.FCBS.Value} states, or use your Visa debit card fee free at one of our 590 ATMs.

Bank when you want

Enjoy free Digital Banking, bill pay and 24/7 mobile deposits.

Get alerts

Securely keep track of your account activity with text and email alerts.

Spot spending trends

Use the Manage My Money trends tool to visualize your spending habits.

Security

The same secure banking you've come to rely on us for in person

Security Alerts

We'll automatically send you alerts if your account credentials change.

Card Freezes

Temporarily freeze or unfreeze your card if it's lost or stolen, or if you suspect fraud.

Advanced Security

Rest assured that all your confidential account information is protected.

Insured

Your money is insured by the Federal Deposit Insurance Corporation.

Learn more about our privacy and security

Personal Savings FAQ
People often ask us

The best savings account for you depends on your savings goals. A First Citizens banker can help you choose which account is right for you based on your goals, how much you'd like to deposit and how you plan to use your account. Our personal savings accounts offer competitive interest rates and free Digital Banking, and some can even be used as overdraft protection for your First Citizens checking account. Whether you have $100 or $10,000 to save, we have an account that can help you reach your savings goals.

You can open a savings account digitally or by visiting a First Citizens branch. Online Savings and Money Market accounts can easily be opened on our website, and it only takes a few minutes to get started. Certificates of Deposit, or CDs, can only be opened by visiting a branch.

Yes. You can set up automatic deposits to any of our personal savings accounts. Learn more about direct deposits.

Yes. You can use your Visa debit card to make deposits, transfers and withdrawals up to the regulatory limit.

Interest is compounded daily and paid monthly. Interest rates on savings accounts may change daily.

It depends on the type of savings account you open. For example, Online Savings and CDs don't have a monthly fee. Other accounts, like Money Market, have monthly fees which can be waived if certain conditions are met, such as maintaining a minimum daily balance. Withdrawal fees also vary by account type and conditions. For a complete list of First Citizens savings account fees, see our Personal Account Disclosures.

Savings accounts and CDs differ in several important ways. CDs have a fixed interest rate and mature after a specific term such as 3 months or 1 year, with penalties for early withdrawal. With a savings account, you can withdraw funds any time without penalty, but the interest rate can change daily. Learn more about the differences between CDs and savings accounts.

Insights
A few financial insights for your life

Saving

Be Aware: Health Savings Account Rules Change Over Time

As you reach certain milestones, the rules for tapping the tax advantages of an HSA may change.
These tax-sheltered accounts are growing in popularity, and it's important to understand all the health savings account rules because they shift as you age or reach certain lifestyle milestones.
Saving

How to Save Your Next Dollar

Use this infographic to determine the best way to save cash based on your unique needs.
There's no one-size-fits-all answer for the best way to save cash.
Investing

How Interest Rate Changes Can Affect Economic Trends

The balancing act between interest rates and inflation is affecting housing markets and investment returns, making it more important to have a solid financial plan.
A strategic approach to financial planning may help you navigate the current and future interest rate environment.

Bank on Customer Service
Open an Account Today

Account openings and credit are subject to bank approval.

For complete list of account details and fees, see our Personal Account Disclosures.

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